Salt Lake Cy, UT · Charter 67041
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Salt Lake Cy, UT · Charter 67041
Q1 2011
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.15% | -1.81% | 0.49% | -0.60% | -8.72% | -657 bps | |
| Return on Equity | -53.10% | -44.80% | 16.03% | -22.49% | -1253% | -120,008 bps | |
| Net Interest Margin | 2.83% | 2.98% | 3.82% | 3.75% | 3.83% | +100 bps | |
| Efficiency Ratio | 88.26% | 89.79% | 73.18% | 78.69% | 161.47% | +7,322 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.58% | 2.31% | -6.60% | -13.28% | -16.53% | -2,311 bps | |
| Loan Growth (YoY) | 5.62% | -4.28% | -4.58% | -14.28% | -22.73% | -2,835 bps | |
| Share Growth (YoY) | 7.27% | -0.15% | -6.09% | -8.31% | -8.89% | -1,616 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.77% | 4.79% | 4.04% | 4.28% | 4.58% | -219 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.04% | 1.11% | 1.81% | 1.59% | 3.14% | +110 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.05% | 4.04% | 3.06% | 2.65% | 0.70% | -336 bps | |
| Net Worth / Assets | 4.05% | 4.04% | 3.06% | 2.65% | 0.70% | -336 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.88% | 90.36% | 87.91% | 82.72% | 79.62% | -1,426 bps | |
| Liquid Assets / Assets | 98.16% | 0.00% | 0.00% | 0.00% | 0.00% | -9,816 bps | |